Cross-border business payments · South Africa launch

Cross-border business payments, routed and settled on schedule.

Ten currencies, seven rails, and reconciliation you can set your watch by.

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7
rails
10
currencies
6
SADC corridors + SWIFT
08:00
SAST · next-business-day reconciliation

Every rail. One integration.

7 rails

Each rail has its own window, ceiling and use case — all of them behind one integration.

Pay-out

PayShap

Real-time push, up to R5,000,000.

RTGS — Real-Time Gross Settlement

Above R5,000,000, settled in real time.

EFT — Electronic Funds Transfer

Overnight batch at the lowest cost, next business day.

TCIB — Transactions Cleared on an Immediate Basis

ZAR into six SADC corridors, no FX at the border.

SWIFT outbound

USD, EUR and GBP via the correspondent network.

Pay-in

PayShap Request-to-Pay

Payer authorises in their own bank; real-time on confirmation.

SWIFT inbound

USD, EUR and GBP to per-customer virtual accounts.

Routed on amount, currency, destination and priority — and rerouted automatically around a degraded rail. How routing works →

Ten currencies. One FX engine.

Quote, lock, execute — positions netted and hedged at bank treasury level daily.

10 currencies, each held in its own per-currency position
  • ZAR
  • USD
  • EUR
  • GBP
  • NGN
  • KES
  • GHS
  • EGP
  • MAD
  • XOF
  1. Quote
  2. Lockheld 30s
  3. Execute
ZAR USD
Illustrative TI-2041
18.4210 ZAR per USD
Rate locked 30s window
Quote issued Window closes
Pricing
Mid-market plus your configured margin
Commitment
Quoted before you confirm. Lapses after 30s, then a fresh rate applies.
TCIB

Zambia · Zimbabwe · Namibia · Eswatini · Lesotho · Botswana

6 SADC corridors. ZAR settles, no FX at the border.

SWIFT

USD · EUR · GBP

The correspondent network.

Coverage is focused on these corridors and currencies.

Built for operators who move serious money

Four kinds of operator, one platform underneath.

Corporates

Predictable settlement and one reconciliation feed for treasury at volume.

Predictable settlement windows · Single reconciliation feed

Enterprises

Rail breadth as resilience — a degraded rail is a routing decision, not an outage.

99.95% per-rail availability · Automatic failover

Commodity businesses

Locked FX across ten currencies, executed on the margin.

Locked FX rates · 30-second quote window · Ten currencies

PSPs

A wide, documented rail layer to embed once and depend on.

Rail breadth · API reliability · OpenAPI 3.1 spec

Orchura serves businesses and PSPs directly. No consumer accounts, no hosted checkout.

Moving serious money across borders?

A conversation, not a sign-up flow. Orchura's team scopes each integration directly.

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